None of the worst-performing words are used more than a handful of times. The most frequent word in the group, "restaurant", was used in only 0.22% of successfully created loans. Given these small numbers, it's entirely possible that the worst performing words are only that way due to dumb luck. But, given that words like payday seem to have low payout rates both across the years and at other P2P lending sites (my original list of low-paid words at Lending Club) I'm not convinced that this is sheer randomness.